After a motor vehicle accident, most New Jersey residents ask the other driver for their car insurance information. Too often, they find out that the other driver wasn’t insured. When this happens, there are some steps to take that may help you protect yourself.
Call the authorities
It’s always a good idea to contact the police after a motor vehicle accident. It’s even more important when the other driver doesn’t have insurance. The police report will help you prove what happened to your own insurance company when you submit a claim.
The other driver may ask you to do things. They may ask you to not involve the authorities because they don’t want to be in legal trouble. They may offer you money up front so that they can avoid these legal repercussions for driving without insurance.
Remember that your responsibility is to yourself. You may have medical expenses and car repair expenses. The best step for you to take here is to follow normal procedures. Contact the police, and do not accept cash at the scene of the car accident.
Take down their contact information and their license plate. Write down the make and model of their car. You also want to gather this information from any witnesses at the scene.
This is also a good time to take pictures and video at the scene of the motor vehicle accident. Record the other driver’s car, your vehicle and any pictures that show where the vehicles are. Write down the time and location of the accident. Ask the police officer for their badge number so that you can contact them in the future. This may help your insurance claim.
Contact your insurance company
File a claim with your insurance company as soon as possible. Be sure to let them know that the other driver didn’t have insurance. Have the information you gathered at the scene at hand so that you can report the facts with your claim. The insurance company will start asking you questions as they move forward with your claim and gather the information they need from there.